US insurance system Fine for everyone?

[MontanaMama]

2. Insurance companies can no longer charge higher premiums

for pre-existing conditions. The can, and do, charge higher premiums as you age. Those premiums can be ridiculously expensive. For example, I pay $2000 per month for a silver plan for my family of three. We have a $7500 per person deductible. We aren't eligible for any tax credits or subsidies for those premiums or deductibles, unfortunately.

I would add that insurance companies can deny coverage for procedures or tests recommended by their medical providers. In cases like this, where benefits are unjustly denied, filing a complaint with your state insurance commission will very often result in the insurance company paying for the procedure. I've filed many complaints over the years and have found that insurance companies will do back flips to get those complaints off the books. Consumer advocate organizations (Consumer Reports, AARP) will recommend insurance companies (or not) based on those complaints.